Finchoice ingumnikezeli ohola phambili wezinsizakalo zemali eNingizimu Afrika. Le nkampani inikeza izinhlobonhlobo zezimalimboleko zaku-inthanethi ezifinyelela ku-R40 000, zinikeza amakhasimende ithuba lokuphatha izimali zabo ngendlela elula necacile. Ngokusebenzisa uhlelo lokusebenza lweselula i-finchoice.mobi, amakhasimende angenza isicelo semali mboleko, aphathe i-akhawunti yawo, futhi akwazi uku-reloan, okwenza inqubo iphephe futhi isheshe.
Uhlelo lwe-Finchoice luqukethe nemikhiqizo ehlukahlukene yomshwalense njengomshwalense womngcwabo, wokunikeza amaklayenti ukuvikeleka ngezikhathi ezinzima. Abantu bangathola imali ngokushesha, baphinde bathenge i-airtime, idatha, kanye nogesi ngokusebenzisa i-MobiMoney™, okungeza ukuguquguquka ekuphatheni kwezezimali kwabo.
Kuma-khasimende afuna ukufaka isicelo semali mboleko entsha anesiqondiso esikhethekile sendlela yokwenza lokho. Kufanele bakhethe imali abayifunayo kanye nesikhathi abafisa ukukhokha ngaso imali mboleko, bangenele imininingwane yabo yemali engenayo nenethiwekhi kanye nezindleko zabo zasekhaya ukuze baqedele isicelo. Finchoice ilapho ukwenza lezi zinqubo zibe lula ngezinsiza ezisezingeni eliphezulu.
I-FinChoice
I-FinChoice, ibhizinisi elibhalisiwe lokunikezela ngezinsizakalo zezimali kanye nezinqolobane, inikeza amakhasimende ayo imikhiqizo nemisebenzi esezingeni eliphezulu. Njengomhlinzeki wesikweletu oqondene, i-FinChoice iyinhlangano engaphansi kwe FinChoice SA (Pty) Ltd, egunyaziwe ukunikeza izinsizakalo zezezimali.
Imininingwane YeNkampani
I-FinChoice iyinhlangano ephethwe yiFinChoice SA (Pty) Ltd, enamalayisense njengomnikezeli wesikweletu obhalisiwe kanye nokuqiniswa kwe-FSP no 76. Inhloso yale nkampani ukunikeza izinsizakalo zikweletu ngenqubo elula neqondile, enikela ngezixazululo zezimali ezilinganiselwe ezidingweni zekhasimende layo. Ngaphezu kwalokho, i-FinChoice igunyazwe futhi ikhishwe ilayisensi njengomshwalense wempilo okuyinto ebalulekile ekunikezeni imikhiqizo yayo yesikweletu.
Izinsizakalo Ezinikezwa
I-FinChoice inikela ngezinhlobo ezahlukene zezinsizakalo ezifaka phakathi ukubolekisa imali kanye nesibambiso. Ama-khasimende amasha angafaka isicelo sesikweletu kuze kufike ku-R40,000 futhi alawule i-akhawunti yawo ngokuvakashela i-website. Amakhasimende akhona angalawula futhi abuyekeze izinketho zawo zekhredithi ngokungena ngemvume ku-akhawunti yawo ye- FinChoice Mobi. Amakhasimende angahlola futhi isimo sesicelo sawo sesikweletu futhi angavuma isithunzi sesikweletu ngokungena ngemvume ku-FinChoice Mobi. I-FinChoice inikeza futhi indlela yokukhokha isikweletu ngendlela elula nge-EasyPay, okuyindlela enhle yamakhasimende ukukhokha izindleko zawo zezimali ngaphandle kwezinkinga.
Izimali Zomuntu Siqu
Izimali Zomuntu Siqu zisiza abantu ukuphatha imali yabo, ukubhekana nezimo zezikweletu, kanye nokuhlela kwezimali zesikhathi eside. Lokhu kwenziwa ngokunikeza izinketho ezihlukahlukene zesikweletu ezivumelana nezimo zabo zezimali kanye namandla okukhokha.
Ukufaka Isicelo
Ukufaka isicelo sesikweletu ku-FinChoice kunqubo elula neqondile. Abafakizicelo kudingeka bagcwalise ifomu eliku-inthanethi, balayishe imibhalo edingekayo efana nesitatimende somholo ukubonisa ukwazi ukukhokha. Kumele futhi baqinisekise ukuthi banemali engenayo esebenza ekukhokheni izikweletu zabo ngaphambi kokuthi kucatshangelwe isicelo sabo.
Izinketho Zesikweletu
Izinketho zesikweletu ziwububanzi futhi zenzelwa ukuvumelana nezimo zomuntu ngamunye. Ukusuka ku-loans yesikhashana kuya kwezexesha elide, iFinChoice inikeza izikweletu ezifana nezimali zikadoti, ukuthenga okuhleliwe, kanye nezikweletu zemfundo. Inhloso yazo ukusiza abathengi ukufinyelela izinhloso zabo zezimali ngaphandle kokudala isimo sokungezwa kwezikweletu.
Ukulawulwa Kwesimo Sezikweletu
Ukulawula isimo sezikweletu kudinga ukuhlaziywa njalo kwezimali zomuntu kanye nokuhlela kwezimali kwesikhathi eside. Amathuluzi asekelwe kuwe online, afana nezinhlelo zokuqapha isimo sesikweletu, angasiza abantu ukuvuselela loan status yabo nokuthi bahlole ukuthi ukheshi abazidingayo luyafinyeleleka yini esimweni sabo samanje sezimali.
Umshwalense
Umshwalense ubalulekile ekusizeni abantu ukuba bavikeleke emiphumeleni yezehlakalo ezingalindelekile. Inikeza isisekelo sokuvikelwa kwezimali kwabathengi, futhi ihlinzeka ngendlela eyisisekelo yokulawula imboni yomshwalense.
Umthetho Womshwalense
Izinhlangano zomshwalense eNingizimu Afrika zisebenza ngaphansi Umthetho Womshwalense 18 ka 2017. Lo mthetho ubeka izindinganiso ezithile okudingeka abahlinzeki bomshwalense bazilandele ukuqinisekisa ukuthi izidingo zabathengi ziyagcinwa futhi ukuthi banikeza umshwalense onokwethenjelwa kanye nokuvikelwa kumakhasimende. Umthetho uphinde uchaze ukuthi abahlinzeki bomshwalense kumele baqonde kanjani imiphumela yemikhiqizo abayinikezayo.
Izinhlelo Zokuvikelwa
Abathengi bangathola izinhlelo zokuvikelwa ezihlukene ezivela ku-FinChoice, ezilungele izidingo zabo zomuntu uqobo. Lokhu kufaka phakathi uhlelo oluhlelwe ukunika izinzuzo zemali uma kwenzeka usizi olufana nesifo noma ukudlula emhlabeni, okuyizici ezibalulekile kuvikelwa kwabathengi. Izinhlelo zivamise ukunikeza indlela yokusebenza elula nesebenziseka kalula, okwenza kube lula kumakhasimende ukuthola ulwazi oludingayo nokuvikela izimali zabo.
Izinqubo Zokukhokha
Ukubaluleka kokusebenzisa izinqubo zokukhokha ezithembekile neziphephile kubalulekile lapho umuntu ebheka ukuthatha noma ukukhokha isikweletu. FinChoice inikeza izindlela ezahlukene zokukhokha ezivumela amakhasimende ukuthi aqinisekise ukuthi izinkokhelo zenziwa ngesikhathi futhi ngokufanele.
I-Debit Order ne-DebiCheck
I-Debit Order
I-debit order iyithuluzi lezimali elivumela FinChoice ukuthi lisuse inani elithile lemali kwi-bank account yekhasimende ngesikhathi esimisiwe nyangazonke. Le ndlela iqinisekisa ukuthi izinkokhelo zenziwa ngesikhathi futhi inciphisa amathuba okubambezeleka ekukhokheni.
- Inani elizosuswa: Lisuselwa kemali ebolekiwe nasezivumelwaneni phakathi kweFinChoice nekhasimende.
- Usuku lokukhokha: Lukhethwa ikhasimende futhi luvumelana nezinsuku zokukhokha zalo mqashi ukugwema ukuntuleka kwemali kwi-akhawunti.
DebiCheck
U-DebiCheck uhlobo olusha lwe-debit order oludinga ukuthi amakhasimende avume kwasekuqaleni ngemali ezosuswa, nenkathi kanye nenombolo ye-debit orders ngaphambi kokuba zisebenze. Le nqubo inikeza ikhasimende ulawulo olungcono kanye nokuphepha okwengeziwe.
- Ukuvumelana: Ikhasimende kumele livume ngaphambi kokuthi imali ikhishwe.
- Ukulawula: Ikhasimende linamandla okulawula ukuthi yimaphi ama-debit orders avunyelwe ukusebenza kwi- bank account yalo.
Inqubo Yokuvikela Ulwazi Lomuntu
Inqubo yokuvikela ulwazi lomuntu eqhutshwa yi-FinChoice igxile ekunakekeleni imininingwane yomuntu siqu kanye nokugcina imfihlo yamakhasimende ayo. Enkampanini, inhlonipho kanye nokulondoloza obumfihlo bakhasimende kuza kuqala.
Inqubomgomo Yobumfihlo
Inqubomgomo yobumfihlo ya-FinChoice ibeka izindlela ezinqala zokuphatha ulwazi lomuntu siqu lwamakhasimende. Lokhu kuhlanganisa ukuqoqwa, ukusetshenziswa, ukudluliswa kanye nokugcinwa kolwazi. Amakhasimende ayakhuthazwa ukuba afunde futhi aqonde inqubomgomo yobumfihlo ukuvikelwa kolwazi lwawo lomuntu siqu. Inqubo yeFinChoice iqinisekisa ukuthi ulwazi luyaphathwa ngendlela efanele futhi lugcinwa ngokuphephile.
ne-Password
Amaphasiwedi ayisithiyo esibalulekile ekuvikeleni ulwazi lomuntu siqu. FinChoice ifuna ukuba amakhasimende asethe amaphasiwedi aqinile futhi eyimfihlo ukugwema ukufinyelela okungagunyaziwe. Amakhasimende ayelulekwa ukuba ashintshe amaphasiwedi njalo kanye nokugwema ukusebenzisa amaphasiwedi alula noma asevele asetshenziswe kwezinye izindawo ukuqinisekisa ukuthi imininingwane yabo igcinwa iyimfihlo.
Ukuxhumana Ne-FinChoice
Ukuze uxhumane ne-FinChoice, kunemigudu ethile okumele ilandelwe. Le nkampani inikeza izindlela ezihlukahlukene ukuze kusize amakhasimende ukuze kutholakale usizo oludingayo.
Ikheli Lokuqhakambisa
FinChoice inikela ngamasevisi omboleko kanye nomshwalense ngokusebenzisa igama layo lombhalisiwe, FinChoice Africa Ltd, elilawulwa yi-NCRCP 8162. Ukwengeza, Guardrisk Life Limited ungumpetha bomshuwalense obhalisiwe ngaphansi kwe-Insurance Act 18 ka-2017 futhi unelayisensi yokuba umhlinzeki wezinsizakalo zezezimali.
Amahora Okusebenza e-Call Centre
I-Call Centre ye-FinChoice isebenza kusukela ngoMsombuluko kuya kuLwesihlanu futhi inikeza usizo ngezikhathi zomsebenzi ezijwayelekile. Kuhle ukukhumbula ukuthi izikhathi zokusebenza zingashintsha ngama-public holidays kanye nezikhathi ezikhethekile zonyaka.
Ukusebenza ngezikhathi Zomphakathi
Kwimisebenzi efana ne-KwikAdvance, lapho amakhasimende angadinga usizo ngokushesha, i-FinChoice ihlose ukusebenzisa amahora okusebenza akhululekile ukuze ihambisane nezidingo zamanje amakhasimende. Lokhu kufaka phakathi ukulungiselela ongakhetha kuzo ngamaphathi ayisisekelo okuxhumana nabo, kanye nezindlela zokuxhumana ezithuthukisiwe.
Imibuzo Evame Ukubuzwa
Inkampani ye-FinChoice inikeza amakhasimende ayo izinketho ezahlukahlukene zemali-mboleko nezinsizakalo zokuphathwa kwezimali. Nanka amanye amaphuzu abalulekile okufanele uwazi mayelana nemibuzo ejwayelekile abathengi abanayo.
Ngingasitholaphi isitatimende sakamuva se-FinChoice?
Isitatimende sakamuva se-FinChoice singatholakala kalula ngokungena kwi-akhawunti yakho ku-finchoice.mobi. Ngemuva kokungena ngemvume, ungalandela izinyathelo zokufinyelela isitatimende sakho.
Kuthatha isikhathi esingakanani ukuba i-FinChoice ikhiphe imali engiyicelile?
Isikhathi sokukhishwa kwemali nge-FinChoice sihlukahluka ngokuya ngenqubo yokufaka isicelo nokuvunywa. Uma isicelo sakho sesivunyiwe, imali ingakhokhwa ebhange lakho kungakapheli isikhathi esibekiwe.
Ngingayifaka kanjani isicelo sokubolekwa kwemali ku-FinChoice online?
Ukufaka isicelo sobolekisi be-FinChoice ngokushesha online, vakashela iwebsite ye-FinChoice ne-finchoice.mobi ukuze ubhalise futhi ugcwalise ifomu lesicelo sakho.
Ngingaxhumana kanjani ne-FinChoice uma ngidinga usizo noma ulwazi?
Ukuze uxhumane ne-FinChoice, ungasebenzisa inombolo yokuxhumana yabo ukuze uthole usizo oluqondene nomuntu siqu kanye nokuqondisisa okuphezulu kwemibuzo yakho.
Ngingakwazi yini ukuhlola isimo sesikweletu sami sika-FinChoice ku-intanethi?
Yebo, ungahlola kalula isimo sesikweletu sakho se-FinChoice ngoku-nokungena ngemvume kwi-akhawunti yakho online futhi ulandelele inqubekelaphambili yezicelo zakho zezezimali.
Ngingawukhipha kanjani umnikelo osele e-MobiMoney yami ye-FinChoice?
Ukukhipha iminikelo eseleyo ku-MobiMoney yakho ye-FinChoice, ungakwenza lokhu ngokuqondiswa yi-akhawunti yakho ye-finchoice.mobi, lapho ungaqhubeka khona nesinyathelo sokuhoxisa imali.